EP2805295A4 - System and method to enable a network of digital wallets - Google Patents
System and method to enable a network of digital walletsInfo
- Publication number
- EP2805295A4 EP2805295A4 EP13738748.6A EP13738748A EP2805295A4 EP 2805295 A4 EP2805295 A4 EP 2805295A4 EP 13738748 A EP13738748 A EP 13738748A EP 2805295 A4 EP2805295 A4 EP 2805295A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- enable
- network
- digital wallets
- wallets
- digital
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
Applications Claiming Priority (5)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201261588505P | 2012-01-19 | 2012-01-19 | |
| US201261642792P | 2012-05-04 | 2012-05-04 | |
| US201261642729P | 2012-05-04 | 2012-05-04 | |
| US201261642799P | 2012-05-04 | 2012-05-04 | |
| PCT/US2013/022586 WO2013110084A1 (en) | 2012-01-19 | 2013-01-22 | System and method to enable a network of digital wallets |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| EP2805295A1 EP2805295A1 (en) | 2014-11-26 |
| EP2805295A4 true EP2805295A4 (en) | 2015-08-12 |
Family
ID=48798013
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| EP13738748.6A Ceased EP2805295A4 (en) | 2012-01-19 | 2013-01-22 | System and method to enable a network of digital wallets |
Country Status (7)
| Country | Link |
|---|---|
| US (1) | US9799027B2 (en) |
| EP (1) | EP2805295A4 (en) |
| AU (1) | AU2013209420B2 (en) |
| BR (1) | BR112014017922A2 (en) |
| CA (1) | CA2862020C (en) |
| HK (1) | HK1204380A1 (en) |
| WO (1) | WO2013110084A1 (en) |
Families Citing this family (140)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8762263B2 (en) | 2005-09-06 | 2014-06-24 | Visa U.S.A. Inc. | System and method for secured account numbers in proximity devices |
| US8534564B2 (en) | 2009-05-15 | 2013-09-17 | Ayman Hammad | Integration of verification tokens with mobile communication devices |
| US10846683B2 (en) | 2009-05-15 | 2020-11-24 | Visa International Service Association | Integration of verification tokens with mobile communication devices |
| US9105027B2 (en) | 2009-05-15 | 2015-08-11 | Visa International Service Association | Verification of portable consumer device for secure services |
| US10140598B2 (en) | 2009-05-20 | 2018-11-27 | Visa International Service Association | Device including encrypted data for expiration date and verification value creation |
| WO2016040070A2 (en) * | 2014-09-12 | 2016-03-17 | Mastercard International Incorporated | Pairing electronic wallet with specified merchants |
| US9691055B2 (en) | 2010-12-17 | 2017-06-27 | Google Inc. | Digital wallet |
| WO2013019567A2 (en) | 2011-07-29 | 2013-02-07 | Visa International Service Association | Passing payment tokens through an hop/sop |
| US10482457B2 (en) | 2011-10-17 | 2019-11-19 | Capital One Services, Llc | System and method for token-based payments |
| US9183490B2 (en) | 2011-10-17 | 2015-11-10 | Capital One Financial Corporation | System and method for providing contactless payment with a near field communications attachment |
| US9105025B2 (en) | 2011-10-17 | 2015-08-11 | Capital One Financial Corporation | Enhanced near field communications attachment |
| US9830595B2 (en) | 2012-01-26 | 2017-11-28 | Visa International Service Association | System and method of providing tokenization as a service |
| WO2013166501A1 (en) | 2012-05-04 | 2013-11-07 | Visa International Service Association | System and method for local data conversion |
| AU2013266099A1 (en) | 2012-05-24 | 2015-01-22 | Paypal, Inc. | Method and systems for wallet enrollment |
| WO2014011453A2 (en) * | 2012-07-09 | 2014-01-16 | Jvl Ventures, Llc | Systems, methods, and computer program products for integrating third party services with a mobile wallet |
| US9665722B2 (en) | 2012-08-10 | 2017-05-30 | Visa International Service Association | Privacy firewall |
| US20140108247A1 (en) | 2012-10-17 | 2014-04-17 | Groupon, Inc. | Peer-To-Peer Payment Processing |
| US10235692B2 (en) | 2012-10-17 | 2019-03-19 | Groupon, Inc. | Consumer presence based deal offers |
| US9558333B2 (en) * | 2012-10-29 | 2017-01-31 | Aol Inc. | Systems and methods for facilitating the sharing of digital bundles of services between users |
| US8781104B1 (en) | 2013-01-11 | 2014-07-15 | American Express Travel Related Services Company, Inc. | System and method for enabling tracking of contract provisions in a service message switching marketplace |
| US20140324690A1 (en) * | 2013-01-11 | 2014-10-30 | American Express Travel Related Services Company, Inc. | System and method for a single digital wallet dynamic checkout tool |
| US20140229375A1 (en) | 2013-02-11 | 2014-08-14 | Groupon, Inc. | Consumer device payment token management |
| US20140259028A1 (en) * | 2013-03-05 | 2014-09-11 | Google Inc. | Mechanism for establishing temporary background communication between applications |
| US9852409B2 (en) | 2013-03-11 | 2017-12-26 | Groupon, Inc. | Consumer device based point-of-sale |
| US9576286B1 (en) | 2013-03-11 | 2017-02-21 | Groupon, Inc. | Consumer device based point-of-sale |
| US10482511B1 (en) | 2013-03-12 | 2019-11-19 | Groupon, Inc. | Employee profile for customer assignment, analytics and payments |
| SG10201709411RA (en) | 2013-05-15 | 2018-01-30 | Visa Int Service Ass | Mobile tokenization hub |
| AU2014202932A1 (en) * | 2013-05-30 | 2014-12-18 | Visa International Service Association | Dynamic checkout button apparatuses, methods and systems |
| CN105518733A (en) | 2013-07-26 | 2016-04-20 | 维萨国际服务协会 | Provisioning payment credentials to a consumer |
| US9928493B2 (en) | 2013-09-27 | 2018-03-27 | Groupon, Inc. | Systems and methods for providing consumer facing point-of-sale interfaces |
| EP3058532A4 (en) * | 2013-10-14 | 2017-04-12 | Equifax, Inc. | Providing identification information to mobile commerce applications |
| US9922322B2 (en) | 2013-12-19 | 2018-03-20 | Visa International Service Association | Cloud-based transactions with magnetic secure transmission |
| CA2931093A1 (en) | 2013-12-19 | 2015-06-25 | Visa International Service Association | Cloud-based transactions methods and systems |
| US9647999B2 (en) | 2014-02-07 | 2017-05-09 | Bank Of America Corporation | Authentication level of function bucket based on circumstances |
| US9286450B2 (en) | 2014-02-07 | 2016-03-15 | Bank Of America Corporation | Self-selected user access based on specific authentication types |
| US9208301B2 (en) | 2014-02-07 | 2015-12-08 | Bank Of America Corporation | Determining user authentication requirements based on the current location of the user in comparison to the users's normal boundary of location |
| US9223951B2 (en) | 2014-02-07 | 2015-12-29 | Bank Of America Corporation | User authentication based on other applications |
| US9965606B2 (en) | 2014-02-07 | 2018-05-08 | Bank Of America Corporation | Determining user authentication based on user/device interaction |
| US9424572B2 (en) * | 2014-03-04 | 2016-08-23 | Bank Of America Corporation | Online banking digital wallet management |
| US9600844B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign cross-issued token |
| US9600817B2 (en) | 2014-03-04 | 2017-03-21 | Bank Of America Corporation | Foreign exchange token |
| US9721268B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | Providing offers associated with payment credentials authenticated in a specific digital wallet |
| US9406065B2 (en) | 2014-03-04 | 2016-08-02 | Bank Of America Corporation | Customer token preferences interface |
| US9830597B2 (en) | 2014-03-04 | 2017-11-28 | Bank Of America Corporation | Formation and funding of a shared token |
| US9721248B2 (en) | 2014-03-04 | 2017-08-01 | Bank Of America Corporation | ATM token cash withdrawal |
| US10002352B2 (en) | 2014-03-04 | 2018-06-19 | Bank Of America Corporation | Digital wallet exposure reduction |
| US10664833B2 (en) | 2014-03-05 | 2020-05-26 | Mastercard International Incorporated | Transactions utilizing multiple digital wallets |
| US11610197B1 (en) | 2014-04-30 | 2023-03-21 | Wells Fargo Bank, N.A. | Mobile wallet rewards redemption systems and methods |
| US11461766B1 (en) | 2014-04-30 | 2022-10-04 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
| US11574300B1 (en) | 2014-04-30 | 2023-02-07 | Wells Fargo Bank, N.A. | Mobile wallet systems and methods using trace identifier using card networks |
| US11615401B1 (en) | 2014-04-30 | 2023-03-28 | Wells Fargo Bank, N.A. | Mobile wallet authentication systems and methods |
| US9652770B1 (en) | 2014-04-30 | 2017-05-16 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
| US11288660B1 (en) | 2014-04-30 | 2022-03-29 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
| US10997592B1 (en) | 2014-04-30 | 2021-05-04 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
| US11748736B1 (en) | 2014-04-30 | 2023-09-05 | Wells Fargo Bank, N.A. | Mobile wallet integration within mobile banking |
| AU2015253182B2 (en) | 2014-05-01 | 2019-02-14 | Visa International Service Association | Data verification using access device |
| AU2015259162B2 (en) * | 2014-05-13 | 2020-08-13 | Visa International Service Association | Master applet for secure remote payment processing |
| US10846694B2 (en) | 2014-05-21 | 2020-11-24 | Visa International Service Association | Offline authentication |
| EP3164840A4 (en) * | 2014-05-29 | 2018-06-27 | Capital One Financial Corporation | Enhanced near field communications attachment |
| US20150363774A1 (en) * | 2014-06-17 | 2015-12-17 | Scvngr, Inc. | Methods and systems for permissions management with enhanced security |
| CN104123639A (en) * | 2014-07-22 | 2014-10-29 | 王彬 | Online payment method and system through emotion icons |
| US20160026999A1 (en) * | 2014-07-23 | 2016-01-28 | Bank Of America Corporation | Tracking card usage using digital wallet |
| CN105335850A (en) | 2014-07-31 | 2016-02-17 | 阿里巴巴集团控股有限公司 | Network payment control method and apparatus |
| US20160048864A1 (en) * | 2014-08-13 | 2016-02-18 | American Express Travel Related Services Company, Inc. | Third party digital wallet pay with points |
| US10445739B1 (en) | 2014-08-14 | 2019-10-15 | Wells Fargo Bank, N.A. | Use limitations for secondary users of financial accounts |
| US10990941B1 (en) | 2014-08-15 | 2021-04-27 | Jpmorgan Chase Bank, N.A. | Systems and methods for facilitating payments |
| US9775029B2 (en) | 2014-08-22 | 2017-09-26 | Visa International Service Association | Embedding cloud-based functionalities in a communication device |
| GB201419016D0 (en) | 2014-10-24 | 2014-12-10 | Visa Europe Ltd | Transaction Messaging |
| US10990965B2 (en) * | 2014-12-23 | 2021-04-27 | Visa International Service Association | Single sign-on using a secure authentication system |
| CN105988776B (en) * | 2015-01-27 | 2019-11-26 | 阿里巴巴集团控股有限公司 | Release processing method and processing device |
| US11853919B1 (en) | 2015-03-04 | 2023-12-26 | Wells Fargo Bank, N.A. | Systems and methods for peer-to-peer funds requests |
| US10164996B2 (en) | 2015-03-12 | 2018-12-25 | Visa International Service Association | Methods and systems for providing a low value token buffer |
| US10664923B2 (en) | 2015-03-13 | 2020-05-26 | Gyft, Inc. | System and method for establishing a public ledger for gift card transactions |
| US10535063B2 (en) * | 2015-03-13 | 2020-01-14 | First Data Corporation | Systems and methods for securing digital gift cards with a public ledger |
| SG11201706576TA (en) | 2015-04-10 | 2017-09-28 | Visa Int Service Ass | Browser integration with cryptogram |
| US9998978B2 (en) | 2015-04-16 | 2018-06-12 | Visa International Service Association | Systems and methods for processing dormant virtual access devices |
| SG10201506781UA (en) * | 2015-08-27 | 2017-03-30 | Mastercard Asia Pacific Pte Ltd | Method For Managing Digital Wallets |
| SG10201507756RA (en) | 2015-09-17 | 2017-04-27 | Mastercard Asia Pacific Pte Ltd | Method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter in a merchant's venue |
| US10607215B2 (en) | 2015-09-30 | 2020-03-31 | Bank Of America Corporation | Account tokenization for virtual currency resources |
| US10453059B2 (en) | 2015-09-30 | 2019-10-22 | Bank Of America Corporation | Non-intrusive geo-location determination associated with transaction authorization |
| US11068889B2 (en) | 2015-10-15 | 2021-07-20 | Visa International Service Association | Instant token issuance |
| US20170109736A1 (en) * | 2015-10-16 | 2017-04-20 | Bank Of America Corporation | Tokenization of financial account information for use in transactions |
| US10528939B2 (en) * | 2015-10-16 | 2020-01-07 | Bank Of American Corporation | Telephone-based payments using tokens |
| US9729536B2 (en) | 2015-10-30 | 2017-08-08 | Bank Of America Corporation | Tiered identification federated authentication network system |
| SG10201509891UA (en) | 2015-12-02 | 2017-07-28 | Mastercard International Inc | Method And System For Providing A Digital Gift Card |
| CA3003917A1 (en) | 2015-12-04 | 2017-06-08 | Visa International Service Association | Unique code for token verification |
| US10523441B2 (en) | 2015-12-15 | 2019-12-31 | Visa International Service Association | Authentication of access request of a device and protecting confidential information |
| US10853783B1 (en) * | 2015-12-30 | 2020-12-01 | Wells Fargo Bank, N.A. | Processing online transactions with an intermediary system |
| US10929839B2 (en) * | 2015-12-31 | 2021-02-23 | Mastercard International Incorporated | Digital wallet with installments and combo-card |
| US10489777B2 (en) * | 2016-01-05 | 2019-11-26 | Visa International Service Association | Universal access to an electronic wallet |
| CA3009659C (en) | 2016-01-07 | 2022-12-13 | Visa International Service Association | Systems and methods for device push provisioning |
| US11080696B2 (en) | 2016-02-01 | 2021-08-03 | Visa International Service Association | Systems and methods for code display and use |
| US11501288B2 (en) | 2016-02-09 | 2022-11-15 | Visa International Service Association | Resource provider account token provisioning and processing |
| AU2016403734B2 (en) | 2016-04-19 | 2022-11-17 | Visa International Service Association | Systems and methods for performing push transactions |
| US10460367B2 (en) | 2016-04-29 | 2019-10-29 | Bank Of America Corporation | System for user authentication based on linking a randomly generated number to the user and a physical item |
| US11250424B2 (en) | 2016-05-19 | 2022-02-15 | Visa International Service Association | Systems and methods for creating subtokens using primary tokens |
| KR20230038810A (en) | 2016-06-03 | 2023-03-21 | 비자 인터네셔널 서비스 어소시에이션 | Subtoken management system for connected devices |
| US10268635B2 (en) | 2016-06-17 | 2019-04-23 | Bank Of America Corporation | System for data rotation through tokenization |
| US11068899B2 (en) | 2016-06-17 | 2021-07-20 | Visa International Service Association | Token aggregation for multi-party transactions |
| CN109328445B (en) | 2016-06-24 | 2022-07-05 | 维萨国际服务协会 | Unique token authentication verification value |
| CN116471105A (en) | 2016-07-11 | 2023-07-21 | 维萨国际服务协会 | Encryption key exchange procedure using access means |
| CA3026224A1 (en) | 2016-07-19 | 2018-01-25 | Visa International Service Association | Method of distributing tokens and managing token relationships |
| SG10201606192YA (en) * | 2016-07-27 | 2018-02-27 | Mastercard Asia Pacific Pte Ltd | A System And Method For Making Payment Within A Digital Messaging Environment |
| US10970715B1 (en) * | 2016-08-23 | 2021-04-06 | Wells Fargo Bank. N.A. | Systems and methods for multi-channel onboarding of a mobile wallet |
| US10509779B2 (en) | 2016-09-14 | 2019-12-17 | Visa International Service Association | Self-cleaning token vault |
| US11468414B1 (en) | 2016-10-03 | 2022-10-11 | Wells Fargo Bank, N.A. | Systems and methods for establishing a pull payment relationship |
| US11645697B2 (en) * | 2016-10-06 | 2023-05-09 | Bread Financial Payments, Inc. | Simple checkout |
| CN110036386B (en) | 2016-11-28 | 2023-08-22 | 维萨国际服务协会 | Access identifier supplied to application program |
| US10915899B2 (en) | 2017-03-17 | 2021-02-09 | Visa International Service Association | Replacing token on a multi-token user device |
| WO2018175701A1 (en) * | 2017-03-23 | 2018-09-27 | Mastercard International Incorporated | Digital wallet for the provisioning and management of tokens |
| US10977624B2 (en) | 2017-04-12 | 2021-04-13 | Bank Of America Corporation | System for generating paper and digital resource distribution documents with multi-level secure authorization requirements |
| WO2018191638A1 (en) | 2017-04-13 | 2018-10-18 | Equifax, Inc. | Location-based detection of unauthorized use of interactive computing environment functions |
| US10902418B2 (en) | 2017-05-02 | 2021-01-26 | Visa International Service Association | System and method using interaction token |
| US10122889B1 (en) | 2017-05-08 | 2018-11-06 | Bank Of America Corporation | Device for generating a resource distribution document with physical authentication markers |
| US11494765B2 (en) | 2017-05-11 | 2022-11-08 | Visa International Service Association | Secure remote transaction system using mobile devices |
| US10621363B2 (en) | 2017-06-13 | 2020-04-14 | Bank Of America Corporation | Layering system for resource distribution document authentication |
| US10313480B2 (en) | 2017-06-22 | 2019-06-04 | Bank Of America Corporation | Data transmission between networked resources |
| US10524165B2 (en) | 2017-06-22 | 2019-12-31 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
| US10511692B2 (en) | 2017-06-22 | 2019-12-17 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
| AU2018296964A1 (en) * | 2017-07-03 | 2020-02-20 | Gp Network Asia Pte. Ltd. | Processing payments |
| US10423307B2 (en) | 2017-07-12 | 2019-09-24 | The Toronto-Dominion Bank | System and method for indicating data transfer method selection |
| US10491389B2 (en) | 2017-07-14 | 2019-11-26 | Visa International Service Association | Token provisioning utilizing a secure authentication system |
| US11328287B2 (en) * | 2017-09-27 | 2022-05-10 | Mastercard International Incorporated | Systems and methods for coordinating virtual wallet defaults |
| US11436592B2 (en) * | 2017-09-27 | 2022-09-06 | Mastercard International Incorporated | Systems and methods for coordinating virtual wallet defaults |
| US10911439B2 (en) * | 2017-10-12 | 2021-02-02 | Mx Technologies, Inc. | Aggregation platform permissions |
| WO2019118682A1 (en) | 2017-12-14 | 2019-06-20 | Equifax Inc. | Embedded third-party application programming interface to prevent transmission of sensitive data |
| US11295297B1 (en) | 2018-02-26 | 2022-04-05 | Wells Fargo Bank, N.A. | Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet |
| CN111819555A (en) | 2018-03-07 | 2020-10-23 | 维萨国际服务协会 | Secure remote token issuance with online authentication |
| US11074577B1 (en) | 2018-05-10 | 2021-07-27 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
| US11775955B1 (en) | 2018-05-10 | 2023-10-03 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
| US11256789B2 (en) | 2018-06-18 | 2022-02-22 | Visa International Service Association | Recurring token transactions |
| US11727389B2 (en) * | 2018-06-18 | 2023-08-15 | Jpmorgan Chase Bank, N.A. | Systems and methods for managing third party tokens and transactions across issuer ecosystems |
| CN112740207A (en) | 2018-08-22 | 2021-04-30 | 维萨国际服务协会 | Method and system for token provisioning and processing |
| EP3881258A4 (en) | 2018-11-14 | 2022-01-12 | Visa International Service Association | Cloud token provisioning of multiple tokens |
| CN110619101B (en) * | 2018-12-29 | 2022-09-13 | 北京时光荏苒科技有限公司 | Method and apparatus for processing information |
| US11849042B2 (en) | 2019-05-17 | 2023-12-19 | Visa International Service Association | Virtual access credential interaction system and method |
| US11551190B1 (en) | 2019-06-03 | 2023-01-10 | Wells Fargo Bank, N.A. | Instant network cash transfer at point of sale |
| US11483316B1 (en) | 2019-07-11 | 2022-10-25 | Workday, Inc. | System and method for access using a circle of trust |
| US11562416B1 (en) * | 2021-07-12 | 2023-01-24 | Capital One Services, Llc | Methods and systems for automatic product comparison |
| WO2023064104A1 (en) * | 2021-10-14 | 2023-04-20 | Visa International Service Association | Delegated certificate authority system and method |
Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2001016900A2 (en) * | 1999-08-31 | 2001-03-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
| WO2001043033A1 (en) * | 1999-12-09 | 2001-06-14 | Amazon.Com, Inc. | Use of an intermediary to securely provide customer information to third party internet merchants |
| WO2001061659A1 (en) * | 2000-02-16 | 2001-08-23 | Mastercard International Incorporated | System and method for conducting electronic commerce with a remote wallet server |
| EP1168264A2 (en) * | 2000-06-30 | 2002-01-02 | Motorola, Inc. | Server-based electronic wallet system |
| WO2002005231A2 (en) * | 2000-07-11 | 2002-01-17 | Paypal, Inc. | System and method for third-party payment processing |
| WO2002023452A1 (en) * | 2000-09-12 | 2002-03-21 | American Express Travel Related Services Company, Inc. | Microchip-enabled online transaction system |
| WO2002025604A1 (en) * | 2000-09-19 | 2002-03-28 | Soft Tracks Enterprises Ltd. | System and method for unifying electronic payment mechanisms |
| US20050187883A1 (en) * | 1999-08-31 | 2005-08-25 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions using biometrics |
| US7398250B2 (en) * | 2000-09-28 | 2008-07-08 | Microsoft Corporation | Method and system for restricting the usage of payment accounts |
| US20090048887A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Transactions Involving an Intermediary |
| US20110029400A1 (en) * | 2009-07-29 | 2011-02-03 | Ebay Inc. | No authentication payment and seamless authentication |
Family Cites Families (26)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6327578B1 (en) * | 1998-12-29 | 2001-12-04 | International Business Machines Corporation | Four-party credit/debit payment protocol |
| EP2360635A3 (en) * | 1999-04-30 | 2013-04-10 | PayPal, Inc. | System and method for electronically exchanging value among distributed users |
| US6873974B1 (en) * | 1999-08-17 | 2005-03-29 | Citibank, N.A. | System and method for use of distributed electronic wallets |
| US7343351B1 (en) * | 1999-08-31 | 2008-03-11 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
| AU3086101A (en) * | 2000-01-05 | 2001-07-16 | American Express Travel Related Services Company, Inc. | Smartcard internet authorization system |
| US20060053056A1 (en) * | 2001-03-29 | 2006-03-09 | American Express Marketing & Development Corporati | Card member discount system and method |
| US7784684B2 (en) * | 2002-08-08 | 2010-08-31 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
| US20040143550A1 (en) * | 2002-12-19 | 2004-07-22 | International Business Machines Corporation | Cellular electronic wallet device and method |
| KR20050019674A (en) * | 2003-08-20 | 2005-03-03 | 엘지전자 주식회사 | Payment method for mobile credit card using mobile communication device |
| US20140019352A1 (en) * | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
| WO2007022481A2 (en) * | 2005-08-19 | 2007-02-22 | Stephanian Robert | Tethered digital butler consumer electronic device and method |
| US7707113B1 (en) * | 2007-09-28 | 2010-04-27 | Sprint Communications Company L.P. | Method and system for setting levels of electronic wallet security |
| JP2009230626A (en) * | 2008-03-25 | 2009-10-08 | Nec Computertechno Ltd | Additional service information provision device of electronic money and electronic money settlement terminal |
| JP4717123B2 (en) * | 2009-02-13 | 2011-07-06 | 東芝テック株式会社 | Electronic payment processing apparatus and control program therefor |
| US20120143752A1 (en) * | 2010-08-12 | 2012-06-07 | Mastercard International, Inc. | Multi-commerce channel wallet for authenticated transactions |
| US9691055B2 (en) * | 2010-12-17 | 2017-06-27 | Google Inc. | Digital wallet |
| WO2012097108A1 (en) * | 2011-01-11 | 2012-07-19 | Visa International Service Association | Universal value exchange apparatuses, methods and systems |
| WO2012116125A1 (en) * | 2011-02-22 | 2012-08-30 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
| US20130054454A1 (en) * | 2011-08-18 | 2013-02-28 | Thomas Purves | Wallet Service Enrollment Platform Apparatuses, Methods and Systems |
| US9582598B2 (en) * | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
| US9355393B2 (en) * | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
| US9710807B2 (en) * | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
| US20130218769A1 (en) * | 2011-08-23 | 2013-08-22 | Stacy Pourfallah | Mobile Funding Method and System |
| US9105025B2 (en) * | 2011-10-17 | 2015-08-11 | Capital One Financial Corporation | Enhanced near field communications attachment |
| US20130179337A1 (en) * | 2012-01-09 | 2013-07-11 | Walter Ochynski | Account free possession and transfer of electronic money |
| US20130179347A1 (en) * | 2012-01-10 | 2013-07-11 | Robert W. Soderstrom | Mobile application facilitating monetary or other donations |
-
2013
- 2013-01-22 AU AU2013209420A patent/AU2013209420B2/en active Active
- 2013-01-22 BR BR112014017922A patent/BR112014017922A2/en not_active Application Discontinuation
- 2013-01-22 WO PCT/US2013/022586 patent/WO2013110084A1/en active Application Filing
- 2013-01-22 US US13/746,904 patent/US9799027B2/en active Active
- 2013-01-22 CA CA2862020A patent/CA2862020C/en active Active
- 2013-01-22 EP EP13738748.6A patent/EP2805295A4/en not_active Ceased
-
2015
- 2015-05-26 HK HK15104947.9A patent/HK1204380A1/en unknown
Patent Citations (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2001016900A2 (en) * | 1999-08-31 | 2001-03-08 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions |
| US20050187883A1 (en) * | 1999-08-31 | 2005-08-25 | American Express Travel Related Services Company, Inc. | Methods and apparatus for conducting electronic transactions using biometrics |
| US20090048887A1 (en) * | 1999-11-05 | 2009-02-19 | American Express Travel Related Services Company, Inc. | Systems and Methods for Facilitating Transactions Involving an Intermediary |
| WO2001043033A1 (en) * | 1999-12-09 | 2001-06-14 | Amazon.Com, Inc. | Use of an intermediary to securely provide customer information to third party internet merchants |
| WO2001061659A1 (en) * | 2000-02-16 | 2001-08-23 | Mastercard International Incorporated | System and method for conducting electronic commerce with a remote wallet server |
| EP1168264A2 (en) * | 2000-06-30 | 2002-01-02 | Motorola, Inc. | Server-based electronic wallet system |
| WO2002005231A2 (en) * | 2000-07-11 | 2002-01-17 | Paypal, Inc. | System and method for third-party payment processing |
| WO2002023452A1 (en) * | 2000-09-12 | 2002-03-21 | American Express Travel Related Services Company, Inc. | Microchip-enabled online transaction system |
| WO2002025604A1 (en) * | 2000-09-19 | 2002-03-28 | Soft Tracks Enterprises Ltd. | System and method for unifying electronic payment mechanisms |
| US7398250B2 (en) * | 2000-09-28 | 2008-07-08 | Microsoft Corporation | Method and system for restricting the usage of payment accounts |
| US20110029400A1 (en) * | 2009-07-29 | 2011-02-03 | Ebay Inc. | No authentication payment and seamless authentication |
Non-Patent Citations (2)
| Title |
|---|
| See also references of WO2013110084A1 * |
| WIKIPEDIA: "Google Wallet - Wikipedia, the free encyclopedia", 5 January 2012 (2012-01-05), XP055199462, Retrieved from the Internet <URL:https://en.wikipedia.org/w/index.php?title=Google_Wallet&oldid=469764028> [retrieved on 20150701] * |
Also Published As
| Publication number | Publication date |
|---|---|
| BR112014017922A2 (en) | 2017-06-27 |
| HK1204380A1 (en) | 2015-11-13 |
| CA2862020A1 (en) | 2013-07-25 |
| CA2862020C (en) | 2018-03-20 |
| AU2013209420A1 (en) | 2014-08-14 |
| EP2805295A1 (en) | 2014-11-26 |
| US9799027B2 (en) | 2017-10-24 |
| WO2013110084A1 (en) | 2013-07-25 |
| AU2013209420B2 (en) | 2015-08-20 |
| US20130191227A1 (en) | 2013-07-25 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| HK1204380A1 (en) | System and method to enable a network of digital wallets | |
| HK1198848A1 (en) | System and method to generate secure name records | |
| IL233963A (en) | System and method of integrating remote services | |
| EP2790370A4 (en) | Authentication method and system oriented to heterogeneous network | |
| GB201505771D0 (en) | Protective case and methods of making | |
| EP2734904A4 (en) | Systems and methods of network synchronization | |
| HK1204130A1 (en) | Digital security network system and method | |
| GB201301352D0 (en) | A kinesiological support system and method of use | |
| PL2844146T3 (en) | System and method of measuring attention | |
| EP2981933A4 (en) | Methods and systems for connecting physical objects to digital communications | |
| EP2873239A4 (en) | Surveillance system and associated methods of use | |
| HK1207704A1 (en) | Method and system for facilitating users to obtain content | |
| EP2878139A4 (en) | Methods and apparatuses for facilitating utilization of cloud services | |
| IL236875B (en) | Novel uhmwpe fiber and method to produce | |
| HK1210325A1 (en) | System and method to monitor powerlines | |
| EP2803165A4 (en) | System and method of lawful access to secure communications | |
| EP2894528A4 (en) | Production line management method and production line management system | |
| GB201416568D0 (en) | Method and system to characterize a property of an earth formation | |
| IL236876B (en) | Novel uhmwpe fiber and method to produce | |
| EP2803164A4 (en) | System and method of lawful access to secure communications | |
| EP2842061A4 (en) | Method and system of selecting business object | |
| IL234923A0 (en) | Electrolyte system and method of preparation thereof | |
| EP2699043A4 (en) | Modem and network searching method thereof | |
| ZA201503034B (en) | Method of weight management | |
| EP2913984A4 (en) | Method and system for mobile user to access fixed network |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
| 17P | Request for examination filed |
Effective date: 20140814 |
|
| AK | Designated contracting states |
Kind code of ref document: A1 Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR |
|
| DAX | Request for extension of the european patent (deleted) | ||
| RA4 | Supplementary search report drawn up and despatched (corrected) |
Effective date: 20150710 |
|
| RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/40 20120101AFI20150706BHEP Ipc: G06Q 20/36 20120101ALI20150706BHEP Ipc: G06Q 20/12 20120101ALI20150706BHEP Ipc: G06Q 20/02 20120101ALI20150706BHEP |
|
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1204380 Country of ref document: HK |
|
| 17Q | First examination report despatched |
Effective date: 20160603 |
|
| REG | Reference to a national code |
Ref country code: DE Ref legal event code: R003 |
|
| 18R | Application refused |
Effective date: 20180129 |
|
| STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION HAS BEEN REFUSED |
|
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1204380 Country of ref document: HK |